Trupanion vs. Pumpkin Pet Insurance

Based on MoneyGeek’s study, Pumpkin ranks higher for pet insurance for cats, while Trupanion comes out ahead for dogs. The right choice still depends on what matters most to you in a policy:

• Affordability: Pumpkin ranks higher than Trupanion, placing first nationwide for cats and third for dogs. Trupanion holds the fifth spot for cats and sixth for dogs.
• Customer Experience: Pumpkin ranks two places above Trupanion in our national customer service ranking.
• Coverage: Trupanion ranks higher for coverage breadth, placing second nationwide for both pets. Pumpkin sits in 11th place.

Learn more about the best pet insurance options for different pet care needs:

Pumpkin outranks Trupanion as the best pet insurance company for cats in all 50 states. For dogs, Trupanion wins in 29 states, while Pumpkin leads in 21 states.

Pumpkin beats Trupanion in seven out of eight pet insurance cost categories for dogs and cats. The biggest savings come with young dogs, where Pumpkin costs 55% less than Trupanion. Meanwhile, Trupanion is only cheaper for kittens.

Pumpkin offers the cheapest pet insurance for dogs nationwide, winning across all 50 states and every age group against Trupanion. Pumpkin also beats Trupanion for young cats, middle-aged cats and senior cats in every state. Trupanion only provides lower rates for kittens across all states.

Between Trupanion and Pumpkin, only Pumpkin offers pet insurance discounts. It provides a 10% discount for multiple pets and savings for veterinary staff.

Pumpkin wins for customer experience against Trupanion. Both companies hold A+ ratings from the Better Business Bureau, but Pumpkin's higher Trustpilot score and positive sentiment on Reddit give it the edge.

Trupanion outperforms Pumpkin for pet insurance coverage, ranking second nationally compared to Pumpkin's 11th position. Trupanion edges ahead by offering direct vet payment to reduce out-of-pocket costs and per-condition deductibles that don't reset annually. Trupanion also has shorter waiting periods in certain states, plus it offers unique add-ons that cover breeding and other pet owner benefits.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

If you want to expand your base coverage, both Trupanion and Pumpkin offer optional add-ons. However, Trupanion's add-ons focus on breeding, recovery care and pet owner benefits, while Pumpkin's sole offering covers routine care.

• Breeding: Helps cover complications related to breeding, whelping or queening.
• Recovery and complementary care: Provides coverage for physical therapy, hydrotherapy, acupuncture and chiropractic treatments related to eligible accidents or illnesses.
• Pet owner assistance package: Covers costs related to lost pet ads, boarding fees during owner hospitalization, vacation cancellation, liability for third-party property damage and cremation or burial assistance.

• Wellness Club: Extends coverage to include routine care, such as wellness exams, vaccinations, fecal tests and spay/neuter procedures based on the tier you choose (Essential or Premium).

Choosing between Trupanion and Pumpkin depends on your priorities. Pumpkin offers better pet insurance for cats, with higher marks for affordability and customer service. The company provides savings from 19% to 55% depending on your pet's age and holds a 4.9 out of 5 Trustpilot score along with an A+ BBB rating. Trupanion ranks as the better choice for dogs, offering broader coverage with per-condition deductibles and direct vet payment.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Trupanion and Pumpkin pet insurance through these common questions: